Stock Analysis
American International Group, Inc.AIG
P/E 14.24×· 5Y range 2.70–15.80×· top 10% of history
Sector: Financial Services · Industry: Fire, Marine & Casualty Insurance
AnalystsHold28 analystsP/E 14.2× sits at the 90th percentile of its 5.0978781656399725-year history.
Cash covers 16% of debt · Q2 2026.
PMP Verdict
Weak fundamentals, expensive
Risks
- Valuation55
- Growth25
Weak fundamentals at a demanding price.
Market context
+2.0% today· Z 1.4σ
Bull Case
- ✓Interest coverage 13.1× — debt well covered
What's happening with AIG
Profile
moat, growth, profitability and financial health lag behind.
How is each axis scored?
- Valuation55/100 · Moderate
- P/E vs own history (90th pct)0/25
- FCF yield (n/a)10/25
- P/S (1.6x)25/25
- EV/EBIT (12.5x)20/25
- Growth25/100 · Weak
- Revenue CAGR (-15.3%)0/25
- Net income CAGR (-24.2%)0/25
- EPS CAGR 5Y (-15.9%)0/25
- Fwd implied growth (62.7%)25/25
- Profitability42/100 · Weak
- ROIC (6.5%)5/25
- ROE (7.3%)5/25
- Net margin (11.1%)20/25
- Operating margin (15.0%)12/25
- Financial Health48/100 · Weak
- Altman Z (0.47)3/25
- Current ratio (0.04)0/25
- Interest coverage (13.1x)25/25
- Net cash / debt (D/A 5%)20/25
- Quality52/100 · Moderate
- Piotroski F (5/9)15/25
- Beneish M (-2.52)25/25
- FCF conversion (n/a)0/25
- Margin stability (σ 12.1%)12/25
- Moat0/100 · Weak
- ROIC >12% years (0/10 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst -13.6%)0/25
Risk Flags
- ⚠Altman Z 0.5 — distress-zone balance sheet
- ⚠5 loss-making years in recent history
- ⚠Revenue shrinking 15.3%/yr
- ⚠P/E 14.2× at top 10% of 5-year history
About American International Group, Inc.
American International Group is one of the largest insurance and financial services firms in the world and has a global footprint. Show more
It operates through a wide range of subsidiaries that provide property, casualty, and life insurance. The company recently spun off its life insurance operations (Corebridge), but still retains a minority stake.
Headquarters: NEW YORK, NY · Employees: 22,100 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
55CP/E (TTM)14.2xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 2.7x–15.8x · 90th pct
P/FCF10.7xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield9.4%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)1.59xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.6x–2.4x · 72nd pct
EV/EBIT12.5xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 3.3x–52.2x · 70th pct
EV/Sales1.8xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E8.8xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.04xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.28B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.42%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio33.5%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
42D+ROIC6.5%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE7.3%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA1.8%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin11.1%A
Grade A: HighNet Income / Revenue
Operating Margin15.0%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
25ERevenue CAGR-15.3%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-24.2%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-15.9%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth62.7%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-40.2%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
48D+Altman Z-Score0.47D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.04xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.04xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage13.1xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT1.9xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.22xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.16xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
52CPiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.52A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability12.1%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.16xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Stoddard Thomas D Filed | Stoddard Thomas D | Grant / award | +15 | |
Twiningdavis Melissa Filed | Twiningdavis Melissa | Tax withholding | -2191 | |
Cole James Jr. Filed | Cole James Jr. | Grant / award | +126 | |
Leimkuhler Courtney Filed | Leimkuhler Courtney | Grant / award | +39 | |
Perez Juan R. Filed | Perez Juan R. | Grant / award | +34 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Inglis John C Filed | Inglis John C | Grant / award | +50 | |
Porrino Peter R Filed | Porrino Peter R | Grant / award | +338 | |
Porrino Peter R Filed | Porrino Peter R | Grant / award | +546 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
0EROIC >12% Years0/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor-13.6%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$5.67
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$2.83
Cash & short-term investments per share (Finnhub)
Book Value / Share$77.39
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$9.13B
Total debt obligations (short + long term)
Cash & Equiv.$1.49B
Cash and short-term investments
Net Debt$7.64B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$40.63B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$42.22B
Current Market Capitalization
Beta0.51B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: American International Group, Inc. (AIG)
AIG is up 2.05% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for American International Group, Inc.. Altman Z-Score of 0.47 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.52 suggests a low likelihood of earnings manipulation.
- Revenue has been contracting (CAGR ≈ -15%), which weighs on the growth outlook.
- American International Group, Inc. posted a net loss in 5 of 10 available completed fiscal years (2016–2025).
- The stock currently yields 2.4% in dividends.
See how AIG ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all AIG moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Sep 29 | Regular | 75.66 | +3.96% | 4.64 |
| Sep 23 | After-hours | 76.61 | +1.90% | 2.46 |
| Sep 22 | After-hours | 76.06 | +2.04% | 2.74 |
Frequently Asked Questions about AIG
What is the current American International Group, Inc. (AIG) stock price?
AIG is trading at $80.74 at the last market close, up 2.05% on the session. PreMarketPrice tracks AIG pre-market, intraday and after-hours prices.
Is AIG stock a buy right now?
PreMarketPrice's quantitative model rates American International Group, Inc.'s financial health at 48/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is AIG stock overvalued?
American International Group, Inc. trades at a trailing P/E of 14.2 and our valuation score rates it 55/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does American International Group, Inc. report earnings?
No confirmed earnings date is currently scheduled for AIG. The Earnings section lists recent reports and updates as dates are announced.
What sector does American International Group, Inc. operate in?
American International Group, Inc. operates in the Financial Services sector, within the Fire, Marine & Casualty Insurance industry. The Related Stocks section lists sector peers for comparison.
What does American International Group, Inc. do?
American International Group is one of the largest insurance and financial services firms in the world and has a global footprint.
About American International Group, Inc. (AIG) Stock
American International Group, Inc. (AIG) is a US-listed stock operating in the Financial Services sector, specifically the Fire, Marine & Casualty Insurance industry. As of the latest update, American International Group, Inc. is trading at $80.74, up 2.05% on the day with a market capitalization of $42.2 billion. The financial health score for AIG is 48/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for AIG stock.
AIG Stock Analysis & Key Metrics
On PreMarketPrice, you can track American International Group, Inc. (AIG) across multiple dimensions:
- Pre-market price & movement: Real-time AIG stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for AIG with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for American International Group, Inc. across multiple reporting periods.
- Financial health score: A composite score of 48/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for AIG.
- Sector peers: Compare AIG against 6 other financial services stocks on key financial metrics.
Is AIG a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate American International Group, Inc. (AIG) as an investment. The financial health score of 48/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.American International Group, Inc. (AIG) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.